Operating cash, working as hard as you do.
Get paid and pay instantly from Nickel Balance with 2% APY on any idle cash.
2% APY. Accrues daily and paid out monthly.
Instant payments. Pay vendors and get paid instantly.
No lock ups. Deposit or withdraw at any time with no fees.
No minimums. Keep $100 or $1M. There are no penalties.
Your money should make you money.
Every dollar in Nickel Balance earns 2% APY. Accrued daily and paid out monthly. No minimums. Withdraw at any time.
vs. the average bank (0.2%) = $2,000
Instant payments. No extra fees.
Payments arrive instantly and start earning. Vendors get paid the same day. Every transfer is free.
Receive payments instantly
Card, ACH, and checks from customers land instantly and start earning.
Pay vendors same day
Vendors get paid 2 days faster. Your cash earns for 2 extra days.
No transaction fees
Instant transfers to and from Nickel Balance is free. Just like ACH.
We moved our operating reserve into Nickel Balance and started earning real interest on cash that was just sitting in our checking account. It pays for the entire platform in the first week of every month.
James Bond
CFO, Stripe
Control spend with debit cards.
The yield is the easy part. The controls and reporting are what your team actually lives in.
Physical cards
Spend Nickel Balance with debit cards for you and your team.
Virtual Cards
Generate virtual credit cards instantly for any vendor, team, or subscription.
Control spend
Set spend limits by amount, vendor, or employee on any cards.
Budget with cash stashes.
- Earn 2% APY
- Auto deposit or withdraw rules
- Set goals and limits
Bank-grade security. FDIC insured.
Cash in Nickel Balance are held in FDIC insured accounts with bank grade privacy and security.
- FDIC insured on $250K.
- SOC 2 Type II
- Tokenized end to end
- PCI DSS Standards
Skip the application. Start earning now.
It takes less than a minute to activate Nickel Balance. Simply
1. Activate in one minute
Available to all Nickel customers with no application or credit checks.
2. Fund your Balance
Automatically route payments to Balance or transfer from your bank.
3. Spend any way
Spend Balance in Bill Pay or with a physical or virtual debit card.
4. Earn 2% APY.
Every dollar in Balance earns 2% APY, acrrued daily and paid monthly.
An entire cashflow platform powered by Nickel Balance.
FAQs
See what you'll save. Estimate using our awesome calculator
Savings calculator →See a demo. See how Nickel can improve your cashflow in 30 minutes.
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